817 E Cady St, Watertown, WI 53094 Property Records

Jefferson County property record for 817 E Cady St, Watertown, WI 53094

Property Summary

Property Type	Single Family Home
Lot Size	0.13 acres (5,706 sqft)
Owner	Individual Name on File
Last Sale	$232,000 (Aug 2023)
Tax Bill	$3,807 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Feb 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`291-0815-0411-049`

Property Details

APN / Parcel Number

Primary APN	`291-0815-0411-049`
Alternative APN	`29142190001000`

Exterior

Lot Area	5,706 sqft (0.13 acres)
Lot Dimensions	108 ft deep x 53 ft wide

Location & Zoning

Old Parcel Number	29142190001000
Street Address	817 E CADY ST
City	WATERTOWN
State	WI
Zip	53094-3909
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E1/2 LOT 7 & W13FT LOT 6, BLK 3, T PRENTISS ADD.
Legal Range	15E
Legal Township	08N
Legal Section	04
Legal Quarter	NE
Quarter-Quarter Section	NE
Legal Subdivision	T PRENTISS ADD
Legal Block	3
Legal Lot Number	6-7
Jurisdiction	JEFFERSON WI
Township / Civil Division	WATERTOWN
Census Block Group	4
Census Block	4008
Census Tract	100200

Owner

817 E Cady St is owned and occupied by an individual who bought it in August 2023.

Source: Jefferson County records, as of February 16, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	817 E CADY ST, WATERTOWN, WI 53094-3909
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 13, 2023	Warranty Deed, Transfer · Conventional Mortgage BANK FIRST NATIONAL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 18, 2023 · Amount on File
Deed Sale	Aug 18, 2023 · Amount on File
Prior Sale	Feb 13, 2023 · Amount on File
Deed Document Number	1476679
Record Updated	Jun 8, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON WI
Recording Date	Aug 18, 2023
Property Address	817 E CADY ST, WATERTOWN, WI 53094-3909
Document Number	0001476679
Instrument Date	Aug 11, 2023
Instrument	1476679
Transaction Type	Transfer
Record Updated	Sep 13, 2023
Title Company	NOT AVAILABLE, FOCUS TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$696.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	817 E CADY ST, WATERTOWN, WI 53094-3909

Mortgage

Document Number	0001476680
Date	Aug 18, 2023
Instrument	1476680

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON WI
Recording Date	Feb 13, 2023
Property Address	817 E CADY ST, WATERTOWN, WI 53094-3909
Document Number	0001471500
Instrument Date	Feb 10, 2023
Instrument	1471500
Transaction Type	Transfer
Record Updated	Mar 8, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$584.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	817 E CADY ST, WATERTOWN, WI 53094-3909

Mortgage

Document Number	0001471501
Date	Feb 13, 2023
Instrument	1471501

Lender

Name	BANK FIRST NATIONAL
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 817 E Cady St was $3,807 with a homeowner's exemption.

Source: Jefferson County assessment roll, as of May 31, 2025

Property Jurisdictions

Type	Name
State	Wisconsin
County	Jefferson County
Municipality	Watertown City
Unified School District	Watertown School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,807.00 Homeowner's exemption	$232,000 Land $38,200 Building $193,800	$232,500
2023	$3,196.00 (-0.41%)	$181,000 (-) Land $32,200 Building $148,800
2022	$3,209.00	$181,000 Land $32,200 Building $148,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 817 E Cady St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2008.

Source: FEMA National Flood Hazard Layer, effective November 5, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2008)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2008 · Severe Storms, Tornadoes, And Flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

The area around 817 E Cady St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WATERTOWN WATERWORKS serves 23,945 people · EPA ID WI1280044
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	15 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 457 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Bertram Communications Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Netwurx, T-Mobile, TDS Telecom.

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